Vacant Home Insurance: Protection for Your Unoccupied Property

If you own a property that is sitting vacant for an extended period, it can be a significant source of financial and emotional stress. Vacant homes and rental properties are often viewed as easy targets by criminals, and they are also more vulnerable to damage from natural disasters, fire, and other unforeseen events. While standard homeowners or rental insurance policies offer some degree of protection in such situations, they typically do not cover damages caused by long-term vacancy. This is where vacant home insurance comes into play.

What is Vacant Home Insurance?

Vacant home insurance is a specific type of insurance that provides coverage for properties that are unoccupied for an extended period. This type of insurance typically covers damages caused by natural disasters, vandalism, theft, and other risks that are unique to vacant properties.

When you have vacant home insurance, you can have peace of mind knowing that your property is protected even when you are not using it. This insurance can be an essential tool that can help you avoid financial losses in the event of an unforeseen event.

What Does Vacant Home Insurance Cover?

Vacant home insurance typically covers the following risks:

Vacant Home Insurance Coverage
Fire Damage
This coverage will protect your property from any damage caused by fire or smoke.
Vandalism and Theft
Your vacant home insurance policy should cover any damages or losses from theft, vandalism or malicious mischief.
Water Damage
Your policy can cover damage resulting from water leaks caused by broken pipes in your unoccupied property.
Natural Disasters
This coverage will protect you against the financial loss caused by natural disasters like hurricane, tornadoes, and other weather-related events.

It is important to note that the specifics of coverage may vary depending on the insurer and the terms of the policy.

Why Do You Need Vacant Home Insurance?

Generally, a homeowner’s insurance policy is enough to protect your property when it is occupied. However, if your property is vacant for more than 30-60 days, your insurer may consider it unoccupied or vacant, and you may need a different policy to cover it. If you don’t have this type of insurance, you may face significant financial losses if anything goes wrong while your property is vacant.

Some common reasons why you may need vacant home insurance include:

  • You have recently inherited a property and haven’t found a buyer yet
  • You have to move out of your home temporarily for a job assignment or extended vacation.
  • You have purchased a new home but haven’t yet sold your old one.
  • You have a rental property that is vacant between tenants.

Vacant home insurance is the most cost-effective way to protect yourself from losses caused when your property is unoccupied. If you have a vacant property, it’s essential to get this type of coverage to avoid any financial disasters.

How Does Vacant Home Insurance Work?

The process of obtaining vacant home insurance is similar to getting any other type of insurance policy. First, you need to contact an insurance company that offers this type of coverage. You will have to provide basic information about the property, such as its location, age, and the duration of vacancy.

The insurer will then evaluate the risk level for your property and provide you with a quote. The quote will typically include the costs of coverage, including the policy premium and any additional fees.

Once you have accepted the quote, you will then sign the policy documents and pay the premium. From that point on, your property will be protected against any risks covered under the policy.

FAQs About Vacant Home Insurance

1. What is the Difference Between Vacant and Unoccupied Properties?

A vacant property is one that is entirely unoccupied with no occupants or personal belongings present, while an unoccupied property is one that has been left empty for a prolonged period, but some personal belongings or furniture are present.

2. How Long Can My Property Be Vacant?

The duration varies depending on the insurer and the policy. Typically, most insurers consider properties vacant if they have been unoccupied for over 30 consecutive days.

3. Can I Cancel My Vacant Home Insurance Policy?

Yes, you can cancel your policy at any time. However, if you cancel your policy before the agreed-upon term, you may need to pay some cancellation fees.

4. What Factors Affect the Cost of Vacant Home Insurance?

The cost of vacant home insurance depends on various factors, including the location of the property, the duration of vacancy, and the level of coverage needed. Other factors that may affect the cost include the value of the property, the condition of the property, and the type of coverage required.

5. Can I Get Vacant Home Insurance If My Property Is Undergoing Renovations?

Yes. Your insurer may require you to have a builder’s risk insurance policy as a prerequisite for vacant home insurance coverage.


Vacant home insurance is essential if you own property that is not occupied for an extended period. It provides coverage against a range of risks that standard homeowners or rental insurance policies do not cover. When you have this type of coverage, you can have peace of mind knowing that your property is protected against any unforeseen events.

If you are looking for vacant home insurance, it is crucial to ensure that you get a policy that adequately covers your needs. Contact your insurance provider to learn more about the benefits of vacant home insurance and to get a quote today.